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  • 1.9% p.a. introductory rate for the first 3 months (APR 1.91%)2
  • First-year annual fee waiver3
  • Apply online and submit supporting document(s) to enjoy up to HK$200 cash rebate4,5

More about this offer


1 The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter.

2 For the first 3 months' introductory rate period, introductory rate is 1.90% p.a. and Annualised Percentage Rate (APR) is 1.91% for all approved credit limit. "First 3 months' introductory rate period" refers to the period from the date of loan disbursement to the third statement date of the respective account (both dates inclusive). The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. Please refer to the interest rate table for respective APRs

3 An annual fee of 1% of approved credit limit per annum shall apply (up to a maximum of HKD1,000), subject to a first-year annual fee waiver.

4Apply online to enjoy up HK$100 cash rebate: To be eligible for HK$100 cash rebate, a customer must successfully apply for an draw down the loan with an amount of HK$50,000 or above via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking. Terms & Condition apply.

5Submit supporting document(s) required by the Bank for the loan application to enjoy HK$100 cash rebate : To be eligible for HK$100 cash rebate, a customer must successfully submit supporting document(s) required by the Bank for the loan application during the Promotional Period with an approved loan amount of HK$50,000 or above. Terms & Condition apply.

6 Applications have to be submitted during the Bank's service hours (Mon-Fri: 9am-8pm, Sat 9am-1pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.

7 Should be the Statement Date fall on a holiday, interest will be debited to the Facility Account on the last working date preceding the Statement Date.

How to apply

HSBC Personal Internet Banking customers

Log on

New customers or HSBC customers without Personal Internet Banking

Complete the online application

Application hotline (852) 2748 8080

Submit Supporting Documents Now

Video: How to apply online

How to apply online

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Personal Instalment Loan

Fixed monthly payments so that you can plan accurately.

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Contact us

By phone

Application hotline
(852) 2748 8080 (852) 2748 8080

HSBC Premier customers call
(852)2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

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Please note that we do not appoint any third parties to refer Revolving Credit Facility applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at 2233 3000.